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Should we take insurance in blackjack?

In our previous article, we explain what are the possible actions at blackjack. Among them was the possibility of taking a “safe”. In that article we detail this point providing a number of response elements.

Presentation

The term “insurance” means in blackjack a payment option that allows the player to win immunized against a Dealer and more specifically against As-Sota, which hand is the strongest hand in this game. This option is paying in the sense that the player must put on the table half their initial bet in order to reconcile the “safe”.
Operation The player must not use the insurance at any time. So you use this option only when you are in danger, for example, when the dealer takes a jack or an ace.
To show that is taking the safe, the player must pay half their initial bet. Insurance it represents a negligible cost.
When the dealer gets a blackjack, the player loses all bets, but insurance is reimbursed him. At the end the player earns nothing but hurt either.
When the dealer does not get blackjack do in case of victory of the player, the latter lost the insurance but the total of your initial bet pockets.
When the dealer does not get blackjack do in case of defeat of the player, the latter lose your insurance and your bet. This is the worst situation since invested loses everything on the table.

Additional explanations

Insurance is protection against an adverse blackjack. But know that the dealer, even if you have an ace or Sota, has no more than an opportunity to take in ten additional letter.
It is important to consider the value of the cards in blackjack. Actually, sixteen cards have a value of 10 (10 himself, the Jack, Queen, King, all represented by the four different suits). The remaining thirty-six cards have a value other than 10. The chances of rolling a 10 are therefore a 30.77%. The player will gain a lot if you choose an “advantage” (gain would be applied 2-1). The casino has a great advantage.

Concrete example

Looking at the statistics, the player has a 30.77% chance of winning the insurance bet, which leaves a 69.23% chance of losing your bet. Over 100 attempts, the player stands to lose more often than win long term. Let’s say the total insurance bet is 5 €

Operation

Net earnings

Calculation of profits

30,77 x (5€ x 2)

+307,70€

Loss calculation

69,23 x (5€)

-346,15€

Calculation of net profit

(-356,15€)-(307,70€)

-38,45€

Conclusion

When you decide to take insurance, you should consider your decision a lot. Maybe your intuition guide you to this choice, but if the time comes, make sure you have the means to make this bet is a double-edged sword. Despite appearances, insurance is a very risky bet. Our examples show that the safe bet is to risk losing money in the long term.